{"id":1155,"date":"2026-10-01T06:50:28","date_gmt":"2026-10-01T06:50:28","guid":{"rendered":"https:\/\/www.infotech-corp.com.sg\/blog\/?p=1155"},"modified":"2026-10-23T06:21:44","modified_gmt":"2026-10-23T06:21:44","slug":"cpf-contribution-rate-singapore","status":"publish","type":"post","link":"https:\/\/www.infotech-corp.com.sg\/blog\/cpf-contribution-rate-singapore\/","title":{"rendered":"A Complete Guide to CPF Contribution Rates (2026)"},"content":{"rendered":"\n<div class=\"toc-card mt-3\">\n<div class=\"toc-header\">\n<figure><img decoding=\"async\" src=\"https:\/\/www.info-tech.com.sg\/blog\/wp-content\/uploads\/2026\/04\/tool-icon.png\"><\/figure>\n<h2 class=\"wp-block-heading\">In this article<\/h2>\n<\/div>\n<ul class=\"toc-list\">\n<li><a href=\"#section1\">1. What is CPF?<\/a><\/li>\n<li><a href=\"#section2\">2. What is the CPF Contribution Rate? <\/a><\/li>\n<li><a href=\"#section3\">3. How do Employee and Employer CPF Contributions Work? <\/a><\/li>\n<li><a href=\"#section4\">4. What is the CPF Salary Ceiling? <\/a><\/li>\n<li><a href=\"#section5\">5. What Are Ordinary Wages and Additional Wages? <\/a><\/li>\n<li><a href=\"#section6\">6. How to Calculate CPF Contribution in 2026? <\/a><\/li>\n<li><a href=\"#section7\">7. When does the CPF Contribution Rate Change? <\/a><\/li>\n<li><a href=\"#section8\">8. How Info-Tech Corporate Services Help Managing CPF and Payroll? <\/a><\/li>\n<li><a href=\"#section9\">9. CPF Contribution Rate Singapore \u2013 FAQs <\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<p>CPF is something that most employees see in their payslips every month. However, not everyone knows how much they should contribute to CPF. You cannot determine CPF contribution simply by multiplying the salary by one percentage.&nbsp;<\/p>\n\n\n\n<p>The CPF contribution rate depends on multiple factors such as age, citizenship, resident status and monthly wages. There are also limits on how much salary is subjected to CPF contribution.&nbsp;<\/p>\n\n\n\n<p>Whether you are an employer handling the payrolls or an employee who wants to know your monthly deductions, this guide will give you a clear explanation on CPF contribution rates applicable in Singapore in 2026&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"section1\"><strong>What is CPF?&nbsp;<\/strong><\/h2>\n\n\n\n<p>The central provident Fund or CPF is a mandatory social security savings system in Singapore. Both the employees and the employers make the CPF contribution based on the employee\u2019s wages. This system helps areas such as healthcare, retirement and housing.&nbsp;<\/p>\n\n\n\n<p>CPF contributions generally apply to Singapore citizens or permanent residents residing in Singapore and earn more than S$50 as wages for one calendar month. Generally, foreign employees are exempt from CPF contributions.&nbsp;Businesses hiring foreign employees should also understand the applicable requirements in Singapore.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"section2\"><strong>What is the CPF Contribution Rate?&nbsp;<\/strong><\/h2>\n\n\n\n<p>The CPF contribution rate is the percentage of your salary that you and your employer contribute to the CPF account. In simple terms, the CPF contribution rate shows what percentage of your salary goes into the CPF contribution. The contribution rate becomes lower for older age groups.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"section3\"><strong>How do Employee and Employer CPF Contributions Work?&nbsp;<\/strong><\/h2>\n\n\n\n<p>The CPF contribution is generally shared between employee and the employer. A portion of salary is deducted and that amount is paid into the CPF account. The employer also contributes a certain percentage on top of that, and the entire amount goes into the CPF account as savings for housing, retirement or healthcare.&nbsp;<\/p>\n\n\n\n<p>Assume your monthly salary is S$3,000 and the employee contribution rate is 20%, you contribute $600. If the employer\u2019s contribution rate is 17%, your employer contributes\u202fS$510. So, the total contribution to the CPF account would be S$1110.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"863\" height=\"550\" src=\"https:\/\/www.infotech-corp.com.sg\/blog\/wp-content\/uploads\/2026\/10\/CPF-Contribution-Rates-Singapore-2026.png\" alt=\"CPT Contribution Rates\" class=\"wp-image-1164\" style=\"width:863px;height:auto\" srcset=\"https:\/\/www.infotech-corp.com.sg\/blog\/wp-content\/uploads\/2026\/10\/CPF-Contribution-Rates-Singapore-2026.png 863w, https:\/\/www.infotech-corp.com.sg\/blog\/wp-content\/uploads\/2026\/10\/CPF-Contribution-Rates-Singapore-2026-300x191.png 300w, https:\/\/www.infotech-corp.com.sg\/blog\/wp-content\/uploads\/2026\/10\/CPF-Contribution-Rates-Singapore-2026-768x489.png 768w\" sizes=\"(max-width: 863px) 100vw, 863px\" \/><figcaption class=\"wp-element-caption\"><strong>CPF Contribution Rates<\/strong><\/figcaption><\/figure><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"section4\"><strong>What is the CPF Salary Ceiling?&nbsp;<\/strong><\/h2>\n\n\n\n<p>The CPF contributions are not calculated on the entire salary. The maximum amount of salary on which the CPF contributions are calculated is called the salary ceiling. The monthly salary ceiling is different from the CPF annual salary ceiling. The current annual salary ceiling in Singapore is S$102,000.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"411\" src=\"https:\/\/www.infotech-corp.com.sg\/blog\/wp-content\/uploads\/2026\/10\/CPF-Salary-Ceilings-1024x411.png\" alt=\"CPF Salary Ceiling\" class=\"wp-image-1163\" srcset=\"https:\/\/www.infotech-corp.com.sg\/blog\/wp-content\/uploads\/2026\/10\/CPF-Salary-Ceilings-1024x411.png 1024w, https:\/\/www.infotech-corp.com.sg\/blog\/wp-content\/uploads\/2026\/10\/CPF-Salary-Ceilings-300x120.png 300w, https:\/\/www.infotech-corp.com.sg\/blog\/wp-content\/uploads\/2026\/10\/CPF-Salary-Ceilings-768x308.png 768w, https:\/\/www.infotech-corp.com.sg\/blog\/wp-content\/uploads\/2026\/10\/CPF-Salary-Ceilings.png 1046w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\"><strong>CPF Salary Ceiling<\/strong><\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"section5\"><strong>What Are Ordinary Wages and Additional Wages?&nbsp;<\/strong><\/h2>\n\n\n\n<p>Understanding the difference between <a href=\"https:\/\/www.cpf.gov.sg\/service\/article\/what-is-the-ordinary-wage-ow-ceiling\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>ordinary wages<\/strong><\/a> and additional wages becomes important while calculating the CPF contributions in Singapore.&nbsp;<\/p>\n\n\n\n<p>Ordinary wages are payments that employees receive regularly for the work that has been done during that month. The examples include, basic monthly salary, commissions paid regularly and allowances.&nbsp;<\/p>\n\n\n\n<p>Additional wages are payments that are not paid regularly every month. They are paid in addition to the regular salary. The examples include performance bonus, annual bonus, relocation bonus, leave pay and other lump-sum payments.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"section6\"><strong>How to Calculate CPF Contribution in 2026?&nbsp;<\/strong><\/h2>\n\n\n\n<p>The CPF contribution is the amount of money that you and your employer contribute to the CPF account every month and it can be calculated using the following steps.&nbsp;<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Find Your CPF-Covered Salary&nbsp;<\/strong><\/li>\n<\/ol>\n\n\n\n<p>First, determine how much of your salary is subject to CPF contributions. In 2026, the ordinary wage ceiling is S$8,000\u202fper month. This means the CPF contributions are calculated on the maximum salary of S$8,000\u202fper month.&nbsp;<\/p>\n\n\n\n<p>For example,&nbsp;<\/p>\n\n\n\n<p>If, monthly salary = S$8,000, CPF is calculated on S$8,000&nbsp;<\/p>\n\n\n\n<p>Incase, it is S$5,000, CPF is calculated on S$5,000&nbsp;<\/p>\n\n\n\n<p>If, the salary is S$10,000, CPF is calculated on S$8,000&nbsp;<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Apply the CPF Contribution Rate&nbsp;<\/strong><\/li>\n<\/ol>\n\n\n\n<p>After you know the salary amount subject to CPF, apply the employee and employer contribution rates.&nbsp;<\/p>\n\n\n\n<p>Assume the employee\u2019s contribution rate is 20%.&nbsp;<\/p>\n\n\n\n<p>The employer\u2019s contribution rate is 17%.&nbsp;<\/p>\n\n\n\n<ol start=\"3\" class=\"wp-block-list\">\n<li><strong>Calculate\u202fBoth Contributions<\/strong>&nbsp;<\/li>\n<\/ol>\n\n\n\n<p>If the CPF covered salary is S$8,000,&nbsp;<\/p>\n\n\n\n<p>Employee contribution: S$8,000 \u00d7\u202f20% = S$1,600&nbsp;<\/p>\n\n\n\n<p>Employer contribution: S$8,000 \u00d7\u202f17% = S$1,360&nbsp;<\/p>\n\n\n\n<p>Total CPF contribution = S$1,600 + S$1,360 = S$2,960&nbsp;<\/p>\n\n\n\n<p>In simple terms, you can remember it like this,&nbsp;<\/p>\n\n\n\n<p>CPF Contribution = CPF-Covered salary \u00d7\u202fApplicable contribution rate.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"section7\"><strong>When does the CPF Contribution Rate Change?&nbsp;<\/strong><\/h2>\n\n\n\n<p>The CPF contribution rate is not going to be the same for everyone, and it may vary depending on factors like age, citizenship, residential status, salary. Also, the CPF board may revise the rate from time to time.&nbsp;<\/p>\n\n\n\n<p>Specifically for the year 2026, there is a confirmed rate change coming in 2027. From 1<sup>st<\/sup> January 2027, for employees aged above 55 to 65, the rates will increase again.&nbsp;<\/p>\n\n\n\n<p><strong>Free CPF Calculator: <\/strong><a href=\"https:\/\/www.info-tech.com.sg\/cpf-calculator\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>CPF Contribution Calculator<\/strong><\/a><strong><\/strong>&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"section8\"><strong>How Info-Tech Corporate Services Help Managing CPF and Payroll?&nbsp;<\/strong><\/h2>\n\n\n\n<p>Calculating CPF manually becomes difficult for companies when the number of employees increase especially when the employees fall into different age groups, residential statuses and salary ranges.&nbsp;<\/p>\n\n\n\n<p>Info-Tech Corporate Sec\u00a0<a href=\"https:\/\/www.infotech-corp.com.sg\/payroll-outsourcing-singapore\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Payroll Outsourcing Services<\/strong><\/a><strong> <\/strong>help businesses manage payroll along with statutory requirements such as CPF.\u00a0<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/www.infotech-corp.com.sg\/\">Info-Tech Corporate Sec<\/a><\/strong>\u00a0payroll organises processes at one place. This reduces the manual work including salary calculation, maintaining payroll records, preparing employee payslips and calculating CPF contributions.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"section9\"><strong>CPF Contribution Rate Singapore \u2013 FAQs<\/strong><\/h2>\n\n\n\n<div class=\"container\">\n\n    <div class=\"mi-faq\">\n        <div class=\"accordion\" id=\"accordionExample\">\n\n            <!-- FAQ 1 -->\n            <div class=\"accordion-item card\">\n                <h2 class=\"accordion-header card-head\" id=\"headingOne\">\n                    <button class=\"accordion-button acc-arrow\"\n                            type=\"button\"\n                            data-bs-toggle=\"collapse\"\n                            data-bs-target=\"#collapseOne\"\n                            aria-expanded=\"true\"\n                            aria-controls=\"collapseOne\">\n                        <h4 class=\"Positionheader mb-0\">\n                            What are the CPF contribution rates in Singapore? \n<\/h4>\n                    <\/button>\n                <\/h2>\n\n                <div id=\"collapseOne\"\n                     class=\"accordion-collapse collapse show\"\n                     aria-labelledby=\"headingOne\"\n                     data-bs-parent=\"#accordionExample\">\n                    <div class=\"accordion-body card-body\">\n                        <p>The Central Provident Fund (CPF) contribution rate in Singapore ranges from 12.5% to 37% depending on the employee\u2019s age with the monthly ordinary wage ceiling at S$8,000. <\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n            <!-- FAQ 2 -->\n            <div class=\"accordion-item card\">\n                <h2 class=\"accordion-header card-head\" id=\"headingTwo\">\n                    <button class=\"accordion-button collapsed acc-arrow\"\n                            type=\"button\"\n                            data-bs-toggle=\"collapse\"\n                            data-bs-target=\"#collapseTwo\"\n                            aria-expanded=\"false\"\n                            aria-controls=\"collapseTwo\">\n                        <h4 class=\"Positionheader mb-0\">\n                            What is the formula to calculate CPF contribution? <\/h4>\n                    <\/button>\n                <\/h2>\n\n                <div id=\"collapseTwo\"\n                     class=\"accordion-collapse collapse\"\n                     aria-labelledby=\"headingTwo\"\n                     data-bs-parent=\"#accordionExample\">\n                    <div class=\"accordion-body card-body\">\n                        <p>The Central Provident Fund (CPF) contribution can be calculated by multiplying the employee\u2019s eligible monthly wage by age-based contribution rate, with subject to wage ceiling. \n\nTotal CPF contribution = Wages subject to contribution \u00d7\u202fContribution rate <\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n            <!-- FAQ 3 -->\n            <div class=\"accordion-item card\">\n                <h2 class=\"accordion-header card-head\" id=\"headingThree\">\n                    <button class=\"accordion-button collapsed acc-arrow\"\n                            type=\"button\"\n                            data-bs-toggle=\"collapse\"\n                            data-bs-target=\"#collapseThree\"\n                            aria-expanded=\"false\"\n                            aria-controls=\"collapseThree\">\n                        <h4 class=\"Positionheader mb-0\">\n                            What is the minimum salary to CPF? <\/h4>\n                    <\/button>\n                <\/h2>\n\n                <div id=\"collapseThree\"\n                     class=\"accordion-collapse collapse\"\n                     aria-labelledby=\"headingThree\"\n                     data-bs-parent=\"#accordionExample\">\n                    <div class=\"accordion-body card-body\">\n                        <p>The minimum salary for CPF contributions is S$50 per month for employees in Singapore. <\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n            <!-- FAQ 4 -->\n            <div class=\"accordion-item card\">\n                <h2 class=\"accordion-header card-head\" id=\"headingFour\">\n                    <button class=\"accordion-button collapsed acc-arrow\"\n                            type=\"button\"\n                            data-bs-toggle=\"collapse\"\n                            data-bs-target=\"#collapseFour\"\n                            aria-expanded=\"false\"\n                            aria-controls=\"collapseFour\">\n                        <h4 class=\"Positionheader mb-0\">\n                            What is the maximum salary for CPF contributions in Singapore? <\/h4>\n                    <\/button>\n                <\/h2>\n\n                <div id=\"collapseFour\"\n                     class=\"accordion-collapse collapse\"\n                     aria-labelledby=\"headingFour\"\n                     data-bs-parent=\"#accordionExample\">\n                    <div class=\"accordion-body card-body\">\n                        <p>The maximum salary for Central Provident Fund (CPF) contributions in Singapore is S$8,000 per month\u202ffor Ordinary Wages and S$102,000 per year for total annual wages. <\/p>\n                    <\/div>\n                <\/div>\n            <\/div>\n\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [{\n    \"@type\": \"Question\",\n    \"name\": \"What are the CPF contribution rates in Singapore?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"The Central Provident Fund (CPF) contribution rate in Singapore ranges from 12.5% to 37% depending on the employee\u2019s age with the monthly ordinary wage ceiling at S$8,000.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"What is the formula to calculate CPF contribution?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"The Central Provident Fund (CPF) contribution can be calculated by multiplying the employee\u2019s eligible monthly wage by age-based contribution rate, with subject to wage ceiling. 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What is the CPF Contribution[&#8230;]<\/p>\n","protected":false},"author":13,"featured_media":1160,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[99],"tags":[102,103],"class_list":["post-1155","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tax","tag-cpf-contribution","tag-cpf-contribution-rates"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>CPF Contribution Rate Singapore \u2013 Complete 2026 guide<\/title>\n<meta name=\"description\" content=\"Understand the CPF contribution rate in Singapore 2026, employer and employee contributions, salary ceilings, calculations and key changes.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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